Everest Group (EG)
Forward P/E is 7.17x against a peer median of 11.14x, a ratio of 0.64x — well below the 0.90–1.15 fairly priced band — with trailing P/E 8.30x and PEG 0.57. Latest-quarter revenue fell 11.8% year over year (PRIMARY, EDGAR). Delivered demand check: the Multi-line insurance & reinsurance group's median growth was 1.9% year over year — demand steady, while Everest shrank sharply. Value-trap check: the discount is large, but revenue is shrinking fast, so the default UNDERVALUED label is downgraded to FAIRLY PRICED.
What would change this label: Move to UNDERVALUED if revenue growth returns to positive territory, at or above the 1.9% cluster median, while the forward P/E stays below about 10.03x (0.90x the peer median). Move to OVERVALUED if the forward P/E rises above about 12.81x (1.15x the peer median) while revenue continues to shrink year over year.
Everest, a reinsurer, trades at only about 7 times next year's expected earnings against about 11 times for peers, which looks cheap. But its sales fell 11.8% in the latest quarter, so the low price may be warning about a shrinking business rather than offering a bargain. That risk brings the verdict back to fairly priced.
Both lines start at 100 on 2020-09-01. Over the full window Everest Group returned +79.51% and the S&P 500 +118.28% (price returns; dividends not reinvested). Worst peak-to-trough fall for Everest Group: -26.5% (2023-11-27 to 2025-10-28). Source: Nasdaq official daily history.
What the label rests on
Forward P/E is 7.17x against a peer median of 11.14x, a ratio of 0.64x — well below the 0.90–1.15 fairly priced band — with trailing P/E 8.30x and PEG 0.57. Latest-quarter revenue fell 11.8% year over year (PRIMARY, EDGAR). Delivered demand check: the Multi-line insurance & reinsurance group's median growth was 1.9% year over year — demand steady, while Everest shrank sharply. Value-trap check: the discount is large, but revenue is shrinking fast, so the default UNDERVALUED label is downgraded to FAIRLY PRICED. The company’s forward P/E is 7.2× against a peer median of 11.1×. Its own history: UNVERIFIED — no sourced range available. Sector demand read: Delivered demand check: the Multi-line insurance & reinsurance group's median latest-quarter revenue growth was 1.9% year over year (SEC filings) — demand steady. Latest-quarter sales growth was -11.8% versus a year earlier (SEC filings).
| Company | Price (Oct 28, 2026) | Forward P/E | Trailing P/E |
|---|---|---|---|
| Everest Group (EG) | $389.94 | 7.2× | 8.3× |
| AIZ | $285.78 | 12.8× | 13.7× |
| L | $110.72 | — | 13.6× |
| AIG | $79.88 | 9.5× | 14.7× |
| Peer median | 11.1× |
Multiples: stockanalysis.com (SECONDARY, S&P Global data), fetched Oct 28, 2026. Peer set chosen by sector; the median is the middle value of the set. The label and its numbers were recorded in the programme’s label registry on Oct 28, 2026 and will be scored at 6 and 12 months.
Sales, profit and cash
This company does not report a gross-profit line in its SEC facts (normal for banks, payment networks and some health insurers), so profit is shown as net income instead — gross margin is marked UNVERIFIED-absent rather than estimated.
Free cash flow by quarter is not shown for Everest Group. Its SEC cash-flow facts do not separately tag spending on plant and equipment (normal for a bank), so a quarterly free-cash-flow figure cannot be built without estimating — and this programme does not estimate.
| Quarter | Sales | Gross margin | Net income | EPS (GAAP, diluted) | Free cash flow |
|---|---|---|---|---|---|
| Q/E Jun 2026 2026-06-30 | $4.0B | — | $559M | 14.22 | — |
| Q/E Mar 2026 2026-03-31 | $4.1B | — | $653M | 16.21 | — |
| Q/E Dec 2025 2025-12-31 | $4.4B | — | $446M | — | — |
| Q/E Sep 2025 2025-09-30 | $4.3B | — | $255M | 6.09 | — |
| Q/E Jun 2025 2025-06-30 | $4.5B | — | $680M | 16.10 | — |
| Q/E Mar 2025 2025-03-31 | $4.3B | — | $210M | 4.90 | — |
| Q/E Dec 2024 2024-12-31 | $4.6B | — | $-593M | — | — |
| Q/E Sep 2024 2024-09-30 | $4.3B | — | $509M | 11.80 | — |
| Q/E Jun 2024 2024-06-30 | $4.2B | — | $724M | 16.70 | — |
| Q/E Mar 2024 2024-03-31 | $4.1B | — | $733M | 16.87 | — |
| Q/E Dec 2023 2023-12-31 | $3.7B | — | $804M | — | — |
| Q/E Sep 2023 2023-09-30 | $4.0B | — | $678M | 15.63 | — |
The last twelve reported quarters. Full 24-quarter history sits in the data pack behind this page. A dash means the figure is not tagged as a standalone quarter in the company’s SEC facts (the usual case is the fourth quarter, which many companies only report inside the full-year filing) — it is missing, not zero.
Earnings: getting better or worse?
Each box is one quarter’s earnings per share (EPS). Green means EPS was higher than the same quarter a year earlier; red means lower; a dash means the figure is not tagged in the filings.
Basis: GAAP diluted EPS from SEC company facts, compared with the same quarter a year earlier.
Key facts
| Item | Value |
|---|---|
| Company (legal name in filings) | EVEREST GROUP, LTD. |
| Chief executive | Jim Williamson (source: https://en.wikipedia.org/wiki/Everest_Group) |
| Sector | Financials — Reinsurance — sells insurance to other insurers, protecting them against large losses |
| Share price (Oct 28, 2026) | $389.94 |
| Market value (market cap) | $15.0B — share price times shares outstanding of 38,342,734 (SEC filings; SEC EDGAR dei EntityCommonStockSharesOutstanding (latest)) |
| Sales, last twelve months | $16.8B |
| Net income, last twelve months | $1.9B |
| Free cash flow, last twelve months | — |
| Latest reported quarter | Q/E Jun 2026 (of 24 quarters in the data pack) |
| Six-year price return vs S&P 500 | +79.51% vs +118.28% |
| Worst peak-to-trough fall | -26.5% (2023-11-27 to 2025-10-28) |
What we could not verify
- Gross profit / gross margin: not tagged as a standalone line in this company's EDGAR company facts (common for banks, payment networks and some healthcare payers) — shown as UNVERIFIED-absent; the page charts revenue and net income instead.
- TTM GAAP diluted EPS could not be summed from company facts because at least one of the last four quarters (typically Q4) has no standalone tagged EPS; trailing P/E is therefore taken from the labelled secondary source in valuation_label.md.
- Free cash flow is absent for one or more quarters: either the filer does not separately tag PP&E purchases in its EDGAR cash-flow facts (common for banks), or — for a successor registrant's newest quarter — the cash-flow lines are year-to-date without the prior-quarter rung needed to difference them. Affected quarters are null in the data, never estimated.
- Own-history P/E range not yet compiled for this company in the Phase 1 batch run; the label rests on peer-median, growth and PEG evidence.
- Guidance record (each quarter scored against the guidance the company gave the quarter before) is not yet compiled for this company — it is a Phase 2 layer. The earnings strip below therefore uses reported EPS versus a year earlier, which is fully sourced from filings.
The IT factor — the most exciting thing the market is overlooking — is not assessed on an X-Ray page. It belongs to the Deep Dive (Phase 2), where it gets the evidence standard it needs. Leadership-era scoring (the six years split by chief executive) is likewise a Phase 2 layer; this page names the current chief executive only, from a sourced profile.
Sources
- SEC EDGAR submissions — Filing index; company legal name.
https://data.sec.gov/submissions/CIK0001095073.json - SEC EDGAR company facts — Quarterly financial spine: revenue, gross profit, net income, GAAP diluted EPS, operating cash flow, PP&E capex, buybacks, dividends, diluted shares.
https://data.sec.gov/api/xbrl/companyfacts/CIK0001095073.json - Nasdaq official daily history — Daily closes for the company; SPY (assetclass=etf) saved as raw/nasdaq_spy_raw.json over identical dates.
https://api.nasdaq.com/api/quote/EG/historical?assetclass=stocks - Valuation multiples and peer figures — stockanalysis.com (SECONDARY, S&P Global data), fetched Oct 28, 2026; see valuation_label.md in the data pack.
Conventions: earliest-filed value per period, as first reported; cash-flow years-to-date differenced quarter by quarter; EPS never differenced; free cash flow = operating cash flow minus plant-and-equipment spending. This page is a dated snapshot — updates are new versions, never silent edits.